Senior Software Engineer, Enterprise AI Enablement (Employer of Record)

Credit Acceptance is proud to be an award-winning company with workplace recognition in multiple categories! Our world-class culture is shaped by dedicated Team Members who share a drive to succeed as professionals and together as a company. A great product, amazing people and our stable financial history have made us one of the largest used car finance companies in the United States.

In this role, you will work as a dedicated member of a globally distributed team, partnering closely with business partners in the U.S. to design, build, and scale solutions that directly impact our customers and operations. While your legal employer will be our EoR partner, you will be fully integrated into our Credit Acceptance team for day-to-day work and collaboration.

Put AI to work where it changes lives: We are looking for a Senior Software Engineer for our Enterprise AI Enablement team. In this role, you will work as a dedicated member of a globally distributed team, partnering closely with business partners in the U.S. You will design, build, test, and ship production software that uses modern AI capabilities to improve workflows for dealers, consumers, and team members. This is a hands-on engineering role focused on turning problems into reliable, maintainable solutions.

Build for leverage: You will develop and implement solutions designed for reuse across enterprise workflows. You will own features that act as pluggable building blocks for multiple solutions, while staying close to implementation details, quality, telemetry, and production outcomes.This position will work remotely from India.

Outcomes and Activities

Work closely with customers, product partners, and team members to understand workflows, clarify requirements, and translate needs into well-scoped technical deliverables.

Build applied AI capabilities across high-value enterprise workflows such as automation, document intelligence, decision support, fraud intelligence, and intelligent assistants.

Implement context-aware agentic systems that orchestrate tools, APIs, reasoning steps, and business logic using established architecture patterns

Identify when existing agents, models, APIs, or platform capabilities can be reused and contribute to practical build vs. reuse recommendations.

Stay current on practical AI engineering patterns and bring forward ideas that improve quality, speed, or customer value.

Design and develop software and improve existing code to make it more efficient to detect bugs in the code

Write unit-tests and validate your software against acceptance criteria

Author, apply and advocate for team coding, documenting and testing standards

Conduct impact analysis to proactively identify impact of a change across multiple applications

Learn the business process domain to better support the business

Experiment and test ideas, validate assumptions against needs, reach conclusions and recommend solutions

Lead code reviews and communicate application changes

Document code and projects so others can easily understand, maintain and support

Debug the problems which arise in production and propose effective solutions within the application and across multiple applications

Read, write and review design documents

Contribute to team's sprint commitments and actively participate in our Agile practices

Lead continuous learning activities to improve design and code quality as well as to increase application domain knowledge

Participate in the talent selection process

Guide and review the code, designs and documentation of less experienced software engineers

Competencies

The following items detail how you will be successful in this role.

Customer Empathy: Customer Empathy is the ability to understand the perspectives, pain points, and experiences of customers. It involves actively putting oneself in the customer’s shoes, comprehending their needs and challenges, and using that understanding to provide a better, more customer-centric experience.

Engineering Excellence: Engineering Excellence is about bringing great craftsmanship and thought leadership to deliver an outstanding product that delights customers and solves for the business. This involves the pursuit and achievement of high standards, best practices, innovation, and superior solutions.

One Team: A One Team mindset refers to a collaborative approach across the organization, where individuals work together seamlessly, without boundaries, as a single, cohesive team. Shared goals, open communication and mutual support create a sense of collective purpose. This enables teams to navigate challenges and pursue shared objectives more effectively.

Owner’s Mindset: Owner’s Mindset involves adopting a set of behaviors that reflect a sense of responsibility, accountability, strategic thinking, and a proactive approach to managing your domain. As an owner, you understand the business and your domain(s) deeply and solve for the right outcome for the domain(s) and the business.

Requirements

Bachelor’s degree in Computer Science, Information Systems, or closely related field of study; or equivalent work experience

Minimum 5 years of software engineering experience or comparable depth of experience

High ownership, sound judgment, and ability to operate effectively in partially defined or ambiguous problem spaces, with a bias for action.

Working knowledge of AI-enabled systems, including LLM powered applications, agentic and tool-based workflows, prompt and context engineering patterns, model integration and evaluation

Strong grasp of software engineering fundamentals, including system design, APIs, CI/CD, version control, and disciplined development workflows

Strong understanding and use of one or more object-oriented programming languages and design patterns

Practical experience in data modeling, design and messaging

Experience working on mission-critical enterprise class applications

Demonstrated ability to coach and mentor less experienced team memb